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Best Gas Rewards Credit Cards

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by Chris Thompson | Updated Aug. 19, 2019

Overview of the Best Gas Rewards Credit Cards

Buying gas is a near daily transaction in many people's lives, so the prospect of earning rewards for that spending couldn't be more welcome. Check out our choices for the best gas rewards credit cards, with different options depending on what you're most interested in getting back!



Best Gas Rewards Credit Card for Sign-Up Bonus

More Details

  • If you spend $4,000 in purchases within the first 3 months of having your card account, you will earn 60,000 bonus points
  • Earn 3 points per dollar on travel which includes gas stations, airfare, hotels, car rentals, tolls, bus fare and more!
  • Earn 2 points per dollar on dining and entertainment purchases
  • Earn 1 point per dollar on all other purchases
  • Points are worth 25% more on airfare when booked through the ThankYou Travel Center
  • There is no limit to the number of points you can earn and your points don't have an expiration date
  • Points can be easily transferred to participating airline loyalty programs with no fee to transfer
  • No Foreign Transaction Fees on purchases abroad

Annual Fee

$95

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

17.99% - 25.99% Variable

Benefits

If you enjoy traveling, and fuel costs make up a considerable portion of your spending, the Citi Premier Card is beckoning to you. You will receive 3x points on travel -including gas stations, 2x points at restaurants and entertainment events and 1x points on all other purchases.

Once you’ve accumulated enough points to begin redeeming for airfare, completing that redemption through the Citi ThankYou® Travel Center would be wise, as your rewards will receive 25% more value for doing so. Book your flights whenever and with whoever you want, as there are no blackout dates or airline requirements with this card.

You can also use the Citi Premier Card when you’re traveling outside of the U.S., as purchases made abroad will not incur foreign transaction fees.

Things to Consider

The $95 annual fee is easily the biggest detriment to this card, as it can eat into your rewards.

Our Verdict

Aside from a few high maintenance costs, this card has one of the most inclusive rewards programs on today’s market. This is especially true for those who spend a lot on gas, so if that’s you, you should consider this card carefully.

Compare Similar Sign-Up Bonus Offers

Best Gas Rewards Credit Card for Travel

More Details

  • In the first 3 months of cardmembership, if you spend $3,000 you will earn 30,000 bonus points
  • No annual fee and no foreign currency conversion fee
  • Earn 3 points per dollar when you dine out or order in
  • Earn 3 points per dollar at gas stations, rideshares and on transit purchases
  • Earn 3 points per dollar on car rentals, flights, hotels and homestays
  • Earn 3 points per dollar on qualifying streaming services
  • Earn 1 point per dollar on all other purchases
  • Select "Learn More" to read more about the features of this card including terms and conditions

Annual Fee

$0

Purchase Intro APR

0% for 12 Months

Balance Transfer Intro APR

0% for 12 months on qualifying balance transfers

Regular APR

15.99% - 27.99% Variable

Benefits

Prospective Wells Fargo Propel American Express Card cardholders will surely get their early rewards rolling, with 30,000 bonus points up for grabs for anyone who spends at least $3,000 over their first three months with an account. To put the bonus’ total into perspective, it takes just 2,500 points to redeem a $25 gift card.

But the majority of your rewards will come from the rates of 3 points per dollar on select travel purchases like hotels and airfare, dining out, qualifying streaming services, and at gas stations; plus 1 point per dollar on everything else.

For a full year you won’t have to pay interest on any purchases or balance transfers, and you will not be required to pay an annual fee to keep this card in your wallet.

Things to Consider

There is no limit to the amount of points you can earn, and the points you earn won’t expire as long as your account remains open. If you plan on traveling abroad, you won’t have to deal with a foreign currency conversion fee.

Depending on your credit score and history, you could receive a variable APR between 15.99% and 27.99%.

Our Verdict

Because there’s no limit to how many points you can earn, and the categories are so inclusive, there’s no reason not to seriously consider the Wells Fargo Propel American Express Card.

Compare Similar Travel Offers

Best Choice Category Credit Card

More Details

  • No annual fee
  • $200 online cash rewards bonus after you make at least $1000 in purchases in the first 90 days of account opening
  • Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs and unlimited 1% on all other purchases (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

Annual Fee

$0

Purchase Intro APR

0% Introductory APR on purchases for 12 billing cycles

Balance Transfer Intro APR

0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days

Regular APR

16.24% - 26.24% Variable APR on purchases and balance transfers

Benefits

The Bank of America® Cash Rewards credit card offers some of the strongest cash back rewards on daily buys. If you are a Preferred Rewards member, you can increase that bonus to 25%-75%.

If you spend at least $1,000 in the first 90 days you have the Bank of America® Cash Rewards credit card, you’ll earn $200 cash back. Also, Bank of America® customers will receive a 10% bonus when they redeem to their Bank of America® checking or savings account. If you are a Preferred Rewards client, you can increase that bonus to 25%-75%.

The impressive cash rewards you’re receiving won’t be dragged down by an unfavorable fee and interest rate structure, as you won’t have to pay an annual fee. The benefits don’t stop there though, as a 0% introductory APR for 12 billing cycles will apply to both purchases and any balance transfers posted to your account within 60 days of its opening.

Things to Consider

Unfortunately your 3% and 2% cash back earnings are subject to a $2,500 quarterly limit, with one selected category, grocery, and wholesale club purchases getting combined. Once you’ve hit that cap, all three groupings will drop to 1% cash back, resetting at the dawn of the next quarter.

If you make a late payment, your account might be subject to an up to 29.99% variable penalty APR. Such a steep interest hike could cause major issues on your subsequent monthly bills, so be sure to pay on time.

Our Verdict

Even with the cash back limit imposed on your two highest earning rates, this card is undoubtedly a solid overall choice for your typical daily buys.

Best Gas Rewards Credit Card for Cash Back

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  • Cash Back Rewards Exclusively for Costco Members
  • Earn 4% cash back on eligible gas purchases worldwide, including at Costco, for the first $7,000 per year and then 1% thereafter
  • Earn 3% cash back on eligible restaurant and travel purchases
  • Earn 2% cash back on all other purchases you make from Costco and on Costco.com
  • Earn 1% cash back on all other purchases
  • No annual fee with your paid Costco Membership, and your credit card doubles as your Costco member ID
  • No foreign transaction fees on purchases abroad
  • Every year receive a credit card reward certificate which can be used for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Annual Fee

$0*

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

17.24% Variable

Benefits

Costco is one of the largest wholesale clubs in the world, boasting a member pool of nearly 100 million people. Its credit card, the Costco Anywhere Visa Card by Citi, is an incredible cash back option by any standard, but especially when you’re at the pump.

As a cardholder, you’ll earn 4% cash back on eligible gas purchases (including at Costco), 3% cash back at eligible restaurants and travel purchases, 2% cash back on all Costco purchases online and in-store and 1% cash back on all other purchases. A rate of 4% is virtually unheard of, but it makes this card one of the strongest gas rewards cards you’ll ever encounter.

Your annual Costco membership charge takes the place of any additional annual fee, so there’s no extra costs to worry about in that sense.

Things to Consider

That 4% cash back rate will only apply to your first $7,000 spent on fuel each year. Once you reach that limit, you’ll earn 1% cash back on gas purchases.

Our Verdict

If you’re a gas guzzler and you already have a Costco membership, you’ll likely want to strongly consider adding the Costco Anywhere Visa® Card to your wallet.

Compare Similar Cash Back Offers

Best Branded Gas Rewards Credit Card

More Details

  • Introductory Offer: Earn 25¢ off** per gallon For every $100 you spend with your BP Visa® Credit Card or BP Credit Card for the first 90 days your account is open (excluding non-BP gas stations)
  • 25¢ off per gallon for every $100 you spend at BP
  • 15¢ off per gallon for every $100 you spend for eligible groceries, dining and travel
  • 5¢ off** per gallon for every $100 you spend everywhere Visa® credit cards are accepted (excluding non-BP gas stations)
  • No annual fee

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

28.74% Variable

Benefits

The BP Visa® Credit Card’s rewards program might seem a bit confusing at first, but it actually can save you quite a bit of money on your fuel purchases with BP. Rewards rates are divided up into two times - your first 90 days as a cardholder and everything thereafter.

During those initial 90 days, you will accrue 25¢ per gallon on every $100 you spend, excluding non-BP gas stations. But following that time, you will earn 25¢ per gallon for every $100 spent on BP gas, 15¢ per gallon for every $100 spent on eligible groceries, dining out, and travel and 5¢ per gallon for every $100 spent on every other purchase (excluding non-BP gas stations).

Depending on what fits into your financial life more soundly, you can redeem your earnings either as a monthly statement credit or toward your purchases right at the pump. Statement credits are based on a 15 gallon amount, whereas BP fuel redemptions are limited at 20 gallons. So if you were to redeem 30¢ per gallon as a statement credit, you’d get back a credit of $4.50, as opposed to a literal per gallon discount at the pump.

Things to Consider

Watch out for this card’s 28.74% Variable APR, as a rate that high will build interest extremely fast.

While this probably shouldn’t be an issue, as prospective cardholders are likely buying gas regularly, you do need to make sure to use your rewards before they expire. This will occur 365 days after the conclusion of the month during which they were originally received.

Our Verdict

As far as company-specific, gas rewards cards go, there is no better choice than the BP Visa® Credit Card. It gives you significant opportunities to earn rewards, not only with BP, but also through your daily spending - a rare offer for such a card.

Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing travel credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

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